The Clark Howard Podcast

Shipping has gotten really expensive. There are now aggregators, many free to join offering special rates for shipping under their codes. Clark talks about saving on shipping for individuals and for small businesses. Also, high gas prices have upped the profile of electric vehicles. Clark gives guidance on when to buy, EV types, the dealer - manufacturer relationship, and the sweet spots for affordability in the EV market now and in the future. SAVE on Shipping: Segment 1 Ask Clark: Segment 2 Affordable EVs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: UPS Digital Access Program Rates | Pirate Ship 401(k) Match: What Is It, How It Works Life Insurance Archives - Clark Howard Best Term Life Insurance Companies, Plans & Coverage Turn off the debit function of your debit card What's the Best Setting for Your Thermostat During the Summer? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Overall, crypto has lost about 70% of its value. Many crypto lending organizations have gone insolvent. Digital money is a sound concept. It can eventually help eliminate the bank gouge of moving money. But as an investment? Learn why that’s gambling and Clark’s rule for moving forward. Also, the housing market has been brutal for home buyers on many levels. But the narrative is changing. Clark’s analysis includes signs the market is normalizing - and advice for buyers on today’s higher interest rates, and home values moving forward. Crypto Crash: Segment 1 Ask Clark: Segment 2 Housing Market Changes: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Clark Howard Thinks of ‘Crypto Winter’ After Big Crash How To Open a Roth IRA Mortgages Archives - Clark Howard What is caller ID spoofing and how do I protect myself from it? How To Find and Choose a Financial Advisor Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, high school, trade school and college grads have unprecedented job opportunity right now - even amid current concerns of looming recession. Clark Stinks: Segments 1 & 2 Grad Jobs Aplenty: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Should Never Use a Debit Card To Pay for Anything How to Freeze Your Credit With Experian, Equifax and TransUnion Should I Freeze My Credit With Innovis, SageStream, CoreLogic and LexisNexus? 7 Ways To Maximize Credit Card Rewards in 2022 ClarkDeals Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Puppy fraud was a constant during the pandemic and continues unabated. Google is going after these scamsters, but their efforts are a drop in the bucket. This scam has worked since the days of classified print ads. Now it’s moved worldwide using fake pictures, akin to vacation rental & car scams. What you can’t see, verify. Scammers also exploit job seekers online. Those 25 to 34 - digital natives - are most likely to trust a job listing. How the scam plays, and what to know to avoid job listing scam identity theft. Perpetual Sight Unseen Scams: Segment 1 Ask Clark: Segment 2 Job Listing Scams: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Buy a Used Car in 7 Steps How To Spot, Avoid, and Report Fake Check Scams Turo: 5 Things To Know About the Cheap Car Rental Service How to Freeze Your Credit With Experian, Equifax and TransUnion What Is Owner's Title Insurance? 3 Things To Know Should I Pay a Company To Lock Down My House Title or Is It a Scam? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The inflation of 40 years ago was significantly worse than now. Clark describes the unusual distortions in today’s market, resulting in heavy discounts in some categories. Also, there’s one sector of real estate that’s discounted now - office space IF you know which type. For business owners in need of office space, hear how to take advantage of this unique opportunity. Discount Categories: Segment 1 Ask Clark: Segment 2 Office Space Opportunity: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 5 Things To Know About Series I Savings Bonds The Washington Post: Demand for inflation-linked savings bonds crashes TreasuryDirect website The Mail Preference Service - Consumer Assistance [The Washington Post] A NHTSA official spent years trying to cut road deaths. They jumped last year. EyeBuyDirect: Glasses The Best Places To Buy Eyeglasses Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s officially summer today. Get Clark smart strategies for saving money on car rentals, and learn how those under age 25 can avoid huge fees. Also, homeowners face more challenges finding quality, affordable insurance as natural disasters and the cost to rebuild impact rates all over the country. Homeowners need to face and manage risk today. Clark offers guidelines including new mapping revealing wildfire risk, and the new Federal Flood Insurance program phasing in. SAVE on Car Rentals: Segment 1 Ask Clark: Segment 2 Risk Assessment & Homeowners Insurance: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 6 Steps To Getting the Best Car Rental Deal 5 Things to Know About the Costco Car Rental Program The Points Guy: Hertz waives young-driver fees for new graduates — here’s how to enroll Car Rental: Deals and Discounts | USAA The Major Differences Between Economy, Premium Economy, and Economy Plus — and What's Right for You How to handle money when you're traveling overseas The Best Credit Cards With No Foreign Transaction Fees These maps show how wildfires are changing in the U.S.—and the risk at your address 10 million US buildings face a 'major' to 'extreme' risk of wildfire. See how your home stacks up and why ownership will get more expensive. Flood Insurance | FEMA.gov Legit Online Surveys for Money: What I Earned Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The Economist reports that many are making a fresh start by becoming entrepreneurs. Clark describes how the climate is favorable for starting a business in so many ways. Also, there are those that have worked out a way to live on cruise ships as a retirement strategy to save on living expenses. Clark explains how this works. Starting Your Own Business: Segment 1 Ask Clark: Segment 2 Cruise Ship Retirement: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 2022’s Best Large Cities to Start a Business What Is a Solo 401(k) and How Does It Work? What Is an Annuity, and Why Does Clark Think They Stink? Google Fi Review: Things To Know Before You Sign Up The Best International Phone Plans What Is a Fiduciary Financial Advisor and Do I Need One? How To Find and Choose a Financial Advisor AAA Plus Membership Benefits, Cost, & Towing Miles How To Open a Roth IRA What Are Index Funds? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark talks about big data and our privacy. Just as errors on your credit report can harm you, the LexisNexis system has major data on consumers that can be erroneous. If you value your privacy and the accuracy of your data, Clark has an assignment for you. Clark Stinks: Segments 1 & 2 Your Big Data Dossier: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark.com - Cell Phones Why Clark Howard Thinks Medicare Advantage Plans Stink 4 Steps To Stop Google From Showing Your Personal Information What Is a C.L.U.E Report and Its Impact on Your Insurance Access Your LexisNexis ® Consumer Disclosure Report Free Online Privacy Protection - Discover Best Online Will Maker: 5 Free or Cheap Options Wills & Funerals Archives - Clark Howard ClarkDeals - Nolo Promo Codes Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark has talked about delivery drones, driverless cars, and robots for years. Well, it’s happening for real now. Clark updates Walmart’s drone delivery efforts, Google’s Waymo cars, & GM’s Cruise operation - all part of our future. Also, the difference between Roth and traditional IRAs - a new tax issue around inheriting a traditional IRA, and what to do before you bequeath one. Drones & Automation: Segment 1 Ask Clark: Segment 2 Traditional IRA Inheritance: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Amazon, Alphabet and Others Are Quietly Rolling Out Drone Delivery Across America Best Investment Companies for Investors in 2022 What Is a Thrift Savings Plan? How To Open a Roth IRA What Is a Roth 401(k) and How Does It Work? What Is Disability Insurance and How Does It Work? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark explains what is happening with gas prices at home and abroad, and suggests ways to adapt, including modification of summer travel to offset costs. Meanwhile, airfares are generally 50% higher than last year and around 25% higher than pre-pandemic, but they’re starting to soften. The state of the industry and a sweet spot in the market that can help you save, including deep discount airlines. Gas Prices: Segment 1 Ask Clark: Segment 2 Airfare Sticker Shock: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The new Chevrolet Bolt will be the cheapest electric vehicle in the US Best Credit Cards for Gas Rewards: Top Picks for 2022 Gas Mileage Tips - Driving More Efficiently - Fuel Economy Travel to Japan during Covid-19: What you need to know before you go Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Yesterday we officially entered a bear market. This is not a total surprise. Clark explains how stock values are measured, how we got here economically with inflation, how this resolves and the best approach for investors. Also, new rates for borrowing for college have been published for this fall. Clark talks about the impact of student loan debt, parental guilt, & the myth of going to the “it” school. Hear Clark’s rule for student loan borrowing, and a better way to pursue an education for long term financial security. Bear Market Perspective: Segment 1 Ask Clark: Segment 2 Student Loan News : Segment 3 Ask Clark: Segment 4 Mentioned on the show: Buy U.S. Treasury Bonds: A Conservative Way To Beat Your Savings Account 5 Things To Know About Series I Savings Bonds Scammers are offering student loan (un)forgiveness A college helping students avoid loan debt 9 Ways To Pay for College Without Student Loans SoFi Review: One-Stop Shop to Spend, Save, Borrow and Invest Use These Tips To Pay Off Your Mortgage Early Which Documents Should You Keep and for How Long? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

A disturbing trend - buying certain things online - sight unseen. Don’t believe what you see on the internet. It’s becoming common for people to put in offers on homes they’ve only seen online. Big mistake with houses, cars with no right to a refund, and other items. Also Clark talks new savings on TVs - with buying advice, plus free content via antennas & streaming. Buying Online Sight Unseen: Segment 1 Ask Clark: Segment 2 SAVE on TVs & Video Content: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Best Free Streaming Services in 2022: Movies and TV for Cord Cutters Ask Clark: Are those mailers advertising cheap lakefront & mountain property a scam? SpeedTest.net Bonds, haven for elderly and cautious, are getting torched Denied health insurance coverage? Appeal it. If I Use My Credit Card Through PayPal, Can I Still Earn Bonus Points? Double dip to maximize your credit card rewards Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark discusses the impact of world trade on our finances here. The cost of doing business for our national security - we are entering a new era of world trade alliances and strategic imports. Initially the movement of goods will be less efficient - necessary due to the geopolitical risks we face. There will be more supply chain creation here and abroad as we adapt. Clark Stinks: Segments 1 & 2 World Trade & Strategic Imports: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Fidelity Rewards Credit Card Review: Invest with 2% Cash Back 12 ways to save at Target Target vs. Walmart price comparison: Which store is cheaper? The Best Credit Cards With No Foreign Transaction Fees Report: 5 Things Most Americans Don’t Understand About Social Security 23 Ways To Save Money on Gas Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Dietary supplements, vitamins and herbal remedies are unregulated. Clark clarifies which labels to trust. Learn about labels that lie vs NSF & USP supplements. Also, Clark explains how the vehicle market is progressing, including good news on the used car front. The Safety of Supplements: Segment 1 Ask Clark: Segment 2 Car Market Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Supplement and Vitamin Certification | NSF USP Verification Services How to Buy a Used Car in 7 Steps Why Are My Credit Scores Different? Health Insurance Guide Free COBRA Health Insurance: 3 Things To Know Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Employers have outsourced companies to handle pay advances, many of which charge junk fees. Dave is a payroll advance company that asks for voluntary tips, equivalent to paying interest. These advances can lead to a deficit spending habit. Clark offers a better way. Also, the fight to limit robocalls is showing signs of working, so scammers are moving to messaging to get at your money. What to look out for. Perils of Payroll Advances: Segment 1 Ask Clark: Segment 2 Robocalls & Messaging Scams: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Find and Claim Missing Money in Your Name 23 Ways To Save Money on Gas A Simple Way To Help Your Kid Build Credit How Does Afterpay Work? Why 'Buy Now, Pay Later' Worries Clark Howard Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

It could be a rocky summer for power blackouts and we’ve got some vulnerabilities with our energy grid around the county.. What could go wrong and ways to be prepared, including battery powered generators. Also, free stuff! How to get books, music, TV & movies LEGALLY online for nothing! See our guides listed below. Power Outages & Generators: Segment 1 Ask Clark: Segment 2 FREE Entertainment Content: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The 12 Best Free Movie Websites for Online Streaming 11 of the Best Places To Watch TV Shows Online Free 15 of the Best Places To Find Free E-Books 11 of the Best Places To Find Free Audiobooks 15 Places To Listen to Free Music Online Kanopy Review: How Your Library Card Provides Free Streaming Great cancellation spreads beyond Netflix JustWatch Review: 5 Things To Know About the Streaming App Best Homeowners Insurance Companies and Ones To Avoid How To Find and Choose a Financial Advisor Ask Clark: What Is a Backdoor Roth IRA? 5 Things To Know About Series I Savings Bonds Is There a Safe Way To Invest in Real Estate? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Plus, there are deals to be had right now on several items we use in our lives, including mattresses. Inflation nation, Clark’s calling out the deal categories! Clark Stinks: Segments 1 & 2 Current Deal Categories: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 2022 Top Public Colleges & Universities | US News Rankings Vocational Training Programs by State The Top 25 Two-Year Trade Schools: Colleges That Can Solve The Skills Gap Florida College System Children - Overview - Delta Clark Deals - Mattresses Do Not Give Your Social Security Number at These Places Should You Buy Out Your Leased Car? How to Save Money on Car Insurance How to Shop for Car Insurance Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

A perpetual debate: Can money buy happiness? Clark discusses survey findings on the matter and the role of money in personal freedom and happiness. Also, with concerts and events back in full swing, many aiming to get out aren’t happy with ticket prices, but understanding how the industry operates can help you save. Hear how bucket system pricing in the concert industry is based on dynamic demand - and what that means to ticket buyers. Money & Happiness: Segment 1 Ask Clark: Segment 2 Concert Ticket Pricing : Segment 3 Ask Clark: Segment 4 Mentioned on the show: Thrift Savings Plan: Home Can Credit Repair Companies Really Raise Your Score? 6 Things To Know Before Contacting the National Foundation for Credit Counseling Have you joined Clark's 'Ditch Your Debt' Facebook group yet? How To Open a Roth IRA Best Investment Companies for Investors in 2022 Checking monthly statements key defense against credit card hacks Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Memorial Day and the summer travel season is upon us. Airfares have gone way up due to pent up demand and pilot shortages forcing airlines to cut back schedules during peak season - perfect storm for your wallet. Learn essential strategies for saving more on air travel based on when and where flexibility. Another summer expense: cooling your home. With energy prices also up, Clark talks about thermostat settings, and the value of smart thermostats. Summer Airfare Savings: Segment 1 Ask Clark: Segment 2 Home Cooling: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The Best Way To Get a Flight Deal to Europe Right Now Where You Should (and Should Not) Book Your Next Vacation How To Find Cheap Flights in 3 Easy Steps Hopper - Book Flights & Hotels on Mobile Norway’s Norse Atlantic To Launch From 4 U.S. Airports, Fares From $129 CLEAR Identity Verification: 6 Things to Know Before You Sign Up / Clearme.com What's the Best Setting for Your Thermostat During the Summer? What Is a 403(b) and How Does It Work? How To Open a Roth IRA Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn Clark’s position on crypto and why it’s not yet ready for prime time. Most people who’ve put money into crypto have lost money, either through fraud or lost value. Ultimately digital money will become part of our lives. This is the pioneering phase of crooks, con artists, speculators and believers. Also, Clark was diagnosed with prostate cancer 14 years ago. Why this can be a complicated diagnosis, new research into genetic markers, Clark’s update and how to approach a diagnosis as an advocate for yourself. Crypto Currents: Segment 1 Ask Clark: Segment 2 Prostate Cancer Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to avoid ‘rug pulls,’ the latest cryptocurrency scam Clark Howard and the Prostate Cancer Foundation Deposit Insurance - FDIC Mint Review: 5 Things To Know About the Free Budgeting Tool Welcome to the Clark.com Community Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark discusses how travel insurance and cancellations generally work, and a void in the market that AMEX is filling. Then, the discussion turns to weddings, a recent low cost nuptial ceremony that went viral and cash wedding gifts. AMEX Travel Benefit: Segment 1 Ask Clark: Segment 2 Budget Weddings: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The Points Guy: American Express adds new ‘cancel for any reason’ coverage option on flights The Points Guy: Why are airfare and hotel rooms so expensive right now? U.S. summer travelers can expect long lines, higher prices as COVID restrictions ease #1 Reason You May Not Need ‘Cancel for Any Reason’ Travel Insurance The Best Credit Cards With No Foreign Transaction Fees How to handle money when you’re traveling overseas How to Plan a Trip: Clark’s Best Travel Tips to Save Money Clark Howard's Guide to Saving Money on Your Wedding Make Money Origami to Personalize Cash Gifts - YouTube Clark Howard: Books - Clark Howard Life Insurance Archives - Clark Howard Wedding & Event Flowers - Costco Wholesale Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, jobs are abundant right now for all but the summer employment outlook has never been better for teens. There are jobs aplenty for decent pay. Plus, an important professional courtesy tip from Clark. Clark Stinks: Segments 1 & 2 Summer Jobs for Teens: Segment 3 Ask Clark: Segment 4 Mentioned on the show: AAA IDP International Driving Permit Public Service Loan Forgiveness (PSLF) - Federal Student Aid CURRENT - Put your savings to work with 4.00% APY¹ 6 Best Ways To Send Money Online Warning: Never Get Roadside Assistance From Your Insurance Provider What Is a Roth 401(k) and How Does It Work? Should I Get an Umbrella Insurance Policy? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

While investment costs have never been lower, some investors pay really high costs to non-fiduciaries. Clark explains a sneaky trick involving insurance agents posing as financial advisors, and the vital, costly difference between “fee-based” advisors and fee ONLY fiduciaries. Plus - Now is the time to break with cellular inertia and shop great new options that can serve you well and save you large dollars. Fake Wealth Advisors: Segment 1 Ask Clark: Segment 2 Cell Phone Plan Deals: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Online Brokerage Firms Struggle to Build Loyalty among Pandemic-Era Investors, J.D.Power Finds What Is a Fiduciary Financial Advisor and Do I Need One? What Is a 403(b) and How Does It Work? How to Buy Term Life Insurance in 7 Easy Steps The Best Term Life Insurance Companies AT&T Price Hikes Coming Soon AT&T Raises Prices on Wireless Plans to Address Higher Costs 5 Things To Know Before You Sign Up for AT&T Prepaid Best Cell Phone Plans in 2022: Deals For Every Budget Clark.com CELL PHONES / Clark Deals - Cell Plans Clark.com Consumer Cellular Review: 5 Things To Know Before You Sign Up Kroger Wireless Airtime Plans / MINT Modern Family Plan Mint Mobile Introduces Modern Family Plans Verizon Price Hikes Coming In June The Verge: You can now test drive T-Mobile's 5G home internet service T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn how to save for the future when you freelance, work side hustles or own your own business and don’t have access to a company retirement plan. AND - Neglecting one simple auto maintenance step can cost you big time. Heed Clark before your road trip this summer. Self-Employed Retirement Planning: Segment 1 Ask Clark: Segment 2 Get Roadworthy: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is a SEP IRA and Who Is Eligible? What Is an HSA Account and How Does It Work? What Is a Solo 401(k) and How Does It Work? Medical Debt A Major Source Of Consumer Complaints, New Report Shows Can a Patient Advocate Help With Your Medical Bills? Clark.com Best Places to Buy Tires Should You Buy Out Your Leased Car? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Party rentals have become a huge problem for Airbnb, so they’re launching an anti-party crackdown. What to expect when booking - and major considerations for potential hosts. Also, there has been a lot of talk lately about student loans and the cost of college. Clark covers which degree programs have the best payback. When you can match your interests with an in-demand high-earning degree - career WIN. Airbnb Guidelines: Segment 1 Ask Clark: Segment 2 Profitable College Degrees: Segment 3 Ask Clark: Segment 4 Mentioned on the show: A Simple Way To Help Your Kid Build Credit Should You Redeem Credit Card Points for Travel Rewards or Cash Back? How To Cancel Private Mortgage Insurance Years Ahead of Schedule Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

If you feel you can serve a need in the marketplace, this is a golden era for entrepreneurs. Clark discusses the many considerations involved in starting your own business. Also, the number of people injured or killed in road accidents has gone way up. A.I. technology can prevent or reduce the severity of accidents, which involves driver tracking & control - now mandated in parts of Europe. Auto Insurance tracking is a different matter. Clark’s take on the implications of fast moving tech which - in solving one problem - may create another. Entrepreneurs: Segment 1 Ask Clark: Segment 2 Vehicle A.I. Safety Tracking: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Save Money on Merchant Processing Fees Creative Destruction Definition - Investopedia How and When To Cancel a Credit Card 5 Sneaky Ways To Improve Your Credit Score Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. And - Clark has a scam warning & rip off alert about travel booking, and a heads up about an emerging airline practice you need to be aware of. Clark Stinks: Segments 1 & 2 Travel Warnings: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Apple Credit Card Review: Earn Cash Back on Tech Purchases Why Clark Howard Shifted to a Digital Wallet and You Should Too 10 Ways To Save on Prescription Drugs Dollar Cost Averaging Makes You a Fortune Over Time Latest Wills & Funerals How To Find and Choose a Financial Advisor Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

College isn’t the only path to success. Clark summarizes the skills education landscape including Google IT training programs. But for many, college is the path to career fulfillment. Why many are dropping out today, and ways to go the distance at lower cost and get that degree. Clark also talks about internet privacy and U.S. tech giants’ initiatives vs. Europe’s Right to Be Forgotten. Now there’s a way to opt-out of having your personal information searchable on Google. College Dropout Rate: Segment 1 Ask Clark: Segment 2 Google Privacy Tool: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 4 Steps To Stop Google From Showing Your Personal Information The Top 5 Benefits of Community College 9 Ways To Pay for College Without Student Loans Where Do I Look for Affordable and Legitimate Online Schools? 7 Things to Know About Amica Insurance Best and Worst Home Insurance Companies Submit a complaint | Consumer Financial Protection Bureau Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The cost of solar is down 80% from a decade ago - a way to defray energy cost, along with ultra efficient HVAC systems coming soon. Ways to reduce energy consumption now include LED light bulbs, adequate insulation and smart thermostats. Also - lab created diamonds are taking off and for a very beautiful reason. Energy Consumption: Segment 1 Ask Clark: Segment 2 Lab Created Diamonds: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Save Money on Utilities How To Extend the Lives of These 5 Major Appliances Driveway: 5 Things To Know Before You Buy or Sell a Car Online 7 Places to Get the Best Deals on Lab-Created Diamonds How to Buy Term Life Insurance in 7 Easy Steps Best Investment Companies for Investors in 2022 What Is a Spousal IRA and What Are the Rules? Best Balance Transfer Credit Cards: Top Picks for 2022 Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Two special warnings this episode - The first deals with confusion around Medicare Advantage plans, a choice many regret. Heed this warning if you or a loved one is approaching age 65. Plus, an alarming trend in mortgages and a Clark smart hard & fast rule to follow. Medicare Disadvantage Plans: Segment 1 Ask Clark: Segment 2 Adjustable Rate Mortgages: Segment 3 Ask Clark: Segment 4 Mentioned on the show: AT&T Price Hikes Coming Soon AT&T Raises Prices on Wireless Plans to Address Higher Costs AT&T raises prices of some mobile plans by $6 per month Best Cell Phone Plans in 2022: Deals For Every Budget Clark.com - CELL PHONES How to Freeze Your Credit With Experian, Equifax and TransUnion Should I Get Pet Insurance? Should I Get a Second Mortgage? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The big runup in gas is getting people more focused on where they buy. The market is becoming dominated by independent retailers, not the traditional oil companies. The forward thinking growth of Wawa includes charging stations. And where and how you shop for groceries makes a big difference too. Clark shares what’s getting more pricey and what’s not, and strategies for all to save on groceries, including sharing initiatives. Wawa Expansion: Segment 1 Ask Clark: Segment 2 SAVE on Groceries: Segment 3 Ask Clark: Segment 4 Mentioned on the show: These 10 Groceries Items Are Getting More Expensive 22 Ways To Save Money on Groceries Report: The Best and Cheapest Grocery Stores Credit card companies adjust merchant fees. Consumers may pay the price Turn off the debit function of your debit card What Is a Fiduciary Financial Advisor and Do I Need One? Bluebird named best banking alternative Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, you may be offered alternative investments from your brokerage house - private equity investments. They aren’t just for the ultra rich anymore. Why you should proceed with caution. Clark Stinks: Segments 1 & 2 Alternative Investments: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is a 403(b) and How Does It Work? Sleep Like The Dead : Independent and Unbiased Sleep Advice Costco vs. Sam's Club vs. BJ's Wholesale: Which Is Best? Investor Tips: Promissory Note Fraud - SEC.gov Amazon Prime Rewards Visa Review: 5% Back for Prime Members Clark.com - Home Internet Starry Internet | The Internet Service Provider You'll Love Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In addition to Series I Savings Bonds - Clark explains a Treasury Direct program as another risk free way to earn more on your idle cash. And - What every parent of young children should know: A new study out reveals the best baby formulas for both quality and price, Better Savings Rates - Zero Risk: Segment 1 Ask Clark: Segment 2 BEST Baby Formulas: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Buy U.S. Treasury Bonds: A Conservative Way To Beat Your Savings Account TreasuryDirect - Home / SavingsBonds.gov How To Prevent, Report and Repair Identity Theft How to Freeze Your Credit With Experian, Equifax and TransUnion Turo: 5 Things To Know About the Cheap Car Rental Service These Credit Cards Offer Car Rental Insurance Benefits Mortgages Archives - Clark Howard Fidelity Rewards Credit Card Review: Invest with 2% Cash Back Best Cash Back Credit Cards: Top Picks for 2022 Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Fidelity. one of the largest and most innovative administrators of 401(k)s, is now offering Bitcoin in 401(k)s as an option for employers to add. Clark explains why this is risky, speculative and not ready for prime time. Also, tipping pressure in all new places has spread all over the country. Is this just maddening or are we finally giving employees their due? Bitcoin in 401(k)s: Segment 1 Ask Clark: Segment 2 Tipping Point: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Should You Sell or Stay Put in the Stock Market? How to Switch Banks in 4 Simple Steps Investor Tips: Promissory Note Fraud - SEC.gov Account Takeover Protection by T-Mobile How To Find and Choose a Financial Advisor Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark clears confusion surrounding new loan forgiveness, We’re approaching $2 trillion in outstanding student loan debt. Clark talks about how general policy should be surrounding student loans moving forward. Also, Zelle is a monster bank creation causing widespread financial hardship, getting the pushback it deserves. Clark describes how Zelle came about, the increasing problems now, and has a special directive for you no matter where you bank. Student Loan Forgiveness: Segment 1 Ask Clark: Segment 2 A Zelle Assignment: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NATIONAL TEACHER APPRECIATION DAY Best 529 College Savings Plans By State Target RedCard Credit Card Review: Earn 5% Back on Purchases The #1 thing you need to do if you use PayPal, Venmo or Zelle for payments Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

From hotels to Airbnb, the tactic of unbundling to hide junk fees has worked. People go for a low headline price, only to be charged more. Clark helps you navigate booking so you see the true price. Also, besides reducing costs for heating and cooling, there’s another area for energy savings. Free and easy ways to help cut your energy bill. Vacation Rental Surprise Fees: Segment 1 Ask Clark: Segment 2 Extra Home Energy Savings: Segment 3 Ask Clark: Segment 4 Mentioned on the show: See the true cost of your stay with Marriott's 'all in' pricing button The Best Smart Plugs and Power Strips for 2022 | PCMag 5 Things To Do Before You Sign Up for a Free Trial 6 Things to Know About International Driver’s License (a.k.a. International Driving Permit) How To Save Money: 35 Ways To Reduce Expenses Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark Stinks day - Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Credit bureau dirty tricks of the trade include conning consumers into paying for unnecessary subscriptions or info required by law to be free. Learn how that game is played, and what to know about credit freeze and credit reports. Clark Stinks: Segments 1 & 2 Credit Bureau Cons: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 2 ways to guarantee yourself a lifetime stream of income Longevity Insurance Is a Smart Buy at Retirement Should I Buy A Guaranteed Life Annuity With My 401(k) Money To Avoid Market Downturns? 7 Things To Know About Costco Pharmacy 4 Things To Know Before You Buy a Digital TV Antenna How To Watch Local Channels Without Cable Clark.com How To Get a Free Credit Report Clark.com How to Freeze Your Credit With Experian, Equifax and TransUnion Credit Karma Review: Free Credit Score and More at Your Fingertips How To Prevent, Report and Repair Identity Theft Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

A small company owned by an individual now sells 1 in 6 ready to drink ice teas in the U.S. This entrepreneur is bucking the system, maintaining a price point even as costs rise - holding to a business model that sets the brand apart. And - American charge volume on existing cards has gone up 25% over the last year, a reverse from pandemic pay offs - at a time of rising interest rates. Are you running balances you can’t pay off? Time to face the charges… Clark can help. Brand WIN-Charging Less: Segment 1 Ask Clark: Segment 2 Credit Card Spend Spiral: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Dollar Tree Is Raising Some Prices Above $1 Battleface Travel Insurance Why you need to turn paper statements back on How Many Credit Cards Is Too Many? How To Prevent, Report and Repair Identity Theft T-Mobile Money: 5 Things To Know Wills & Funerals Archives - Clark Howard Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Home prices remain inflated and mortgage rates are the highest in 11 years, making for an extremely difficult spring buying & selling season. Prices vary by metro area and there are places where - even today - it can make sense to buy. And from the labor force - This generation of workers speaks out and tone-deaf corporate bureaucracies would do well to listen. One of the fastest growing retailers in the US is getting hammered on social media for how they treat their workers - A warning for all business owners. Housing Dilemma: Segment 1 Ask Clark: Segment 2 Word to Business Owners: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Does Making Your Mortgage Payments Early Have Any Benefit? Use These Tips To Pay Off Your Mortgage Early Homeowner Groups Seek to Stop Investors From Buying Houses to Rent Fidelity Rewards Credit Card Review: Invest with 2% Cash Back Your rights when dealing with debt collectors Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

People are buying homes sight-unseen. Clark conveys how this practice worked out 15 years ago, and now the stakes are much higher. Learn Clark’s new strategic advice on home buying in today’s hot housing market. Also, Costco Wholesale is a hit with the stock market, their employees and customers. What’s their secret? Hear why Wall St. used to hate their business model, but loves it now! Buying A Home Sight Unseen: Segment 1 Ask Clark: Segment 2 The Costco Success Story: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Should I Buy a House in This Crazy Real Estate Market? The easy way to pay off your credit card debt in a quarter of the time The TSP Mutual Fund Window Will Be Expensive Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The average Baby Boomer faces retirement with no pension and inadequate savings. Plus many got pushed out of work during the pandemic. Clark has two recommendations. Also, roughly half the nation’s states now require personal finance classes, teaching kids the basics - and the dangers of student loan debt. But financial education can start any time and is ongoing as you build your future. Clark helps you get started. Boomer Retirement: Segment 1 Ask Clark: Segment 2 Financial Education: Segment 3 Ask Clark: Segment 4 Mentioned on the show: When Is the Best Time To Collect Social Security? How to Start Investing and Saving for Retirement Ethanol Fuel Basics - Alternative Fuels Data Center Best Rewards Credit Cards: Top Picks for 2022 Best Travel Credit Cards: Top Rewards Picks for 2022 Why You Should Never Invest With a Bank Best Cash Back Credit Cards: Top Picks for 2022 Select Sam’s Club Customers Can Save BIG on Gas Purchases in April Sam's Club Mastercard Review: Earn 5% Back on Gas Purchases What Is a 403(b) and How Does It Work? 403bwise :: The K-12 403(b) is broken. Together we can fix it. Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Then Clark discusses a wise approach to market volatility, where to park savings for the best rate moving forward and Series I Savings Bonds. Clark Stinks: Segments 1 & 2 Current Saving & Investing Strategy: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 5 Things To Know About Series I Savings Bonds - SavingsBonds.gov What Is an HSA Account and How Does It Work? Food Expiration Dates: What You Need To Know Do Not Give Your Social Security Number at These Places Emergency Fund Complete Guide: How Much & Where Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Monday’s launch of the F-150 Lightning marks an inflection point in the evolving vehicle market. Clark gives an overview of the market now, and where we’re headed. Also, new cell phone offerings can save you big bucks! There’s a new low price leader for family plans well worth checking out. Google Fi Price Drops: Unlimited for As Low as $20 per Line F-150 Lightning Launch-Auto Overview: Segment 1 Ask Clark: Segment 2 New $ Saving Cell Phone Plans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: A Cheaper Netflix Subscription May Be on the Horizon Clark.com Streaming TV Guide The 5 Best Health Insurance for College Students in 2022 GOOGLE FI - Choose the right plan for you Clark.com Review: Google Fi Review: Things To Know Before You Sign Up Clark.com Cell Phone Guide Updated Every Month! The Best Ways To Protect Yourself Against Airline Cancellations File a Consumer Complaint | US Department of Transportation What Is a Financial Advisor and Do I Need One? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark weighs in on an old debate: Which is the better investment - rental property or stocks? Learn the pros and cons of each. Also, a WFH question is brewing: Should employers pay work from home expenses? Should you expect your employer to foot the bill for any of your costs? Real Estate vs. Stocks: Segment 1 Ask Clark: Segment 2 WFH Expenses: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Pet owners, stores facing canned food shortage Baby-Formula Shortage Prompts Rationing at Target, Kroger, Walgreens and CVS What Are Index Funds? A strong password isn’t enough | Here’s the best way to protect your online accounts Best Mattress Buying Guide 2022 - Consumer Reports Novaform 14" Comfort Grande Plus Gel Memory Foam Mattress Medium Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

An upside to the labor shortage: taking your pay rate higher. Walmart’s truck driving program is just one example. But there’s something you should know about company training programs touted as “free” in various industries. Also, the CashApp data breach is huge. What information the criminals have is disturbing but there’s a Clark smart way to protect yourself. Company Training Programs: Segment 1 Ask Clark: Segment 2 Cash App Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Costco vs. Sam's Club vs. BJ's Wholesale: Which Is Best? Fraud Is Flourishing on Zelle. The Banks Say It’s Not Their Problem. Alaska Airlines - Flight Pass Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

We tend to cycle through electronic devices too fast. Do you have old phones & other devices sitting in a drawer? Clark has advice for selling them, a subscription warning - and a general rule on how long to keep electronics. Also - High inflation doesn’t necessarily make you a sitting duck. We’re getting squeezed from all sides. Clark offers 5 steps to better budgeting & this rule to live by: It’s what you DON’T spend that counts over time. Gadget Management: Segment 1 Ask Clark: Segment 2 Your Inflation Budget: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark.com The Best Places To Sell Your Cell Phone When Will Gas Prices Go Down? BBB-File a Complaint 3 Free or Cheap Medical Alert Systems for Seniors Latest Investing & Retirement Free Budget Worksheet: The CLARK Method to Create a Monthly Budget How to Budget With a Cash Envelope System Google Sheets: The Free Budgeting Tool You Probably Haven't Tried 6 of the Best Budgeting Apps in 2022 Budgeting Basics: What You Need to Know to Get Started 5 Ways To Start Living Below Your Means Ask Clark: What Is a Backdoor Roth IRA? How to Set Up a Backdoor Roth IRA - Investopedia When Will Car Prices Go Down? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, debt collectors may soon be sliding into your texts, emails & direct messages on social media. Clark lets you know what your rights are. Clark Stinks: Segments 1 & 2 Debt Collection & Your Rights: Segment 3 Ask Clark: Segment 4 Mentioned on the show: FIDELITY Security Overview Use these security keys to lock down your computer and protect your personal info SIM Card Swapping: The Dangerous Cell Phone Scam Everyone Needs To Know The Points Guy - Maximize your travel. Your rights when dealing with debt collectors The Statutes of Limitations on Debt Collection by State What to Do When You're Being Harassed About an Old "Zombie Debt" How To Send a 'Drop Dead' Letter to a Collection Agency Term Life vs. Whole Life Insurance: Understanding the Difference Fidelity Investments Review 2021: Pros & Cons Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark lends perspective on today’s surging housing prices and mortgage rates and offers clear guidelines for making a homebuying decision in this difficult market. And for home buyers considering an ARM - a Clark warning. Also, as war in Ukraine affects the global energy market, the U.S remains the world’s largest energy producer. The expected economic impact at home, our energy future, and what we can control right now to save more. Housing Decisions: Segment 1 Ask Clark: Segment 2 Energy Outlook & Strategy: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Should I Buy a House in This Crazy Real Estate Market? How To Save for a House The #1 thing you can do right now to save on energy bills How To Save Money on Utilities Clark Howard's 5-Step Guide To Lowering Your Monthly Bills How To Save Money: 35 Ways To Reduce Expenses How to Book the Best and Safest Airbnb Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

RoboBurger is here! The restaurant industry must adapt to labor shortage conditions. Clark discusses how part of the solution is robotics offering machine made food and convenience. Also, props to Walmart on developing scam busting software, ultimately recovering $4 million in gift card fraud targeting the elderly. That’s a fraction of the losses caused by this long running scam and its mutations. Heed Clark’s special warning for you and your loved ones. Order Up: The RoboBurger: Segment 1 Ask Clark: Segment 2 Elder Fraud: Gift Card Scams: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Best Travel Credit Cards: Top Rewards Picks for 2022 Best Rewards Credit Cards: Top Picks for 2022 Clark.com - CREDIT CARDS The Difference Between a Hard Inquiry and a Soft Inquiry on Your Credit Report 5 Sneaky Ways To Improve Your Credit Score Business & Entrepreneurs Archives - Clark Howard - SCORE: Homepage Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Mark Cuban has taken on the pharmaceutical industry. Clark discusses what he hopes to accomplish with the Mark Cuban Cost Plus Drug Company and how it can help consumers save more. Will Mark Cuban’s New Prescription Company Really Save You Money? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices